Oregon Health Plan Calculator
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Reviewed by Calculator Editorial Team
This Oregon Health Plan Calculator helps you estimate your health insurance costs based on your income, household size, and coverage type. The calculator uses the Oregon Health Plan (OHP) premium structure to provide an estimate of what you might pay for health insurance coverage.
How the Oregon Health Plan Calculator Works
The Oregon Health Plan (OHP) is Oregon's Medicaid program, which provides health coverage to low-income individuals and families. The premiums for OHP are based on your income and household size. This calculator uses the 2023 OHP premium structure to estimate your monthly premium.
Key Assumptions
- Premiums are based on 2023 income limits
- Assumes you qualify for OHP based on income
- Does not account for additional premiums for tobacco users
- Estimates are for monthly premiums only
How Premiums Are Calculated
OHP premiums are determined by your income level relative to the federal poverty level (FPL). The premium structure has different tiers based on your income percentage of the FPL:
| Income Level | Monthly Premium |
|---|---|
| Up to 138% of FPL | $0 |
| 138% to 150% of FPL | $10.00 |
| 150% to 200% of FPL | $20.00 |
| 200% to 250% of FPL | $30.00 |
| 250% to 300% of FPL | $40.00 |
| 300% to 350% of FPL | $50.00 |
| 350% to 400% of FPL | $60.00 |
| Above 400% of FPL | Not eligible for OHP |
The calculator uses these income brackets to determine your estimated monthly premium based on your household income and size.
How to Use This Calculator
- Enter your total household income before taxes in the "Household Income" field.
- Select your household size from the dropdown menu.
- Click the "Calculate" button to see your estimated monthly premium.
- Review the result and compare it with other coverage options if needed.
Important Notes
- This is an estimate only - actual premiums may vary
- Does not account for copays, deductibles, or other coverage costs
- For exact premiums, contact the Oregon Health Plan directly
- Income limits are based on 2023 figures
Example Calculation
Let's say you have a household income of $30,000 and 2 people in your household. Here's how the calculation works:
- First, calculate your annual income per person: $30,000 / 2 = $15,000 per person
- Compare this to the 2023 federal poverty level for a family of 2: $27,750
- Your income is about 54% of the federal poverty level (15,000/27,750 ≈ 0.54)
- Based on the premium table, this falls into the 50-100% of FPL bracket, resulting in a $20 monthly premium
Example Formula
Monthly Premium = $20 (based on 54% of FPL for 2-person household)
Formula Used
The calculator uses the following steps to determine your estimated monthly premium:
- Calculate annual income per person: Household Income / Household Size
- Determine the federal poverty level (FPL) for your household size
- Calculate your income percentage of FPL: (Income per person / FPL per person) × 100
- Apply the premium based on the income percentage bracket
Premium Determination
If (Income % of FPL) ≤ 138% → $0 premium
If 138% < (Income % of FPL) ≤ 150% → $10 premium
If 150% < (Income % of FPL) ≤ 200% → $20 premium
If 200% < (Income % of FPL) ≤ 250% → $30 premium
If 250% < (Income % of FPL) ≤ 300% → $40 premium
If 300% < (Income % of FPL) ≤ 350% → $50 premium
If 350% < (Income % of FPL) ≤ 400% → $60 premium
If (Income % of FPL) > 400% → Not eligible